D. Abraham Ringer - Morgan Stanley Financial Advisor - Boston, MA
Morgan Stanley
D. Abraham Ringer, CFP
Vice President
Financial Advisor
28 State Street
25th Floor
Boston, MA 02109
tel: (617) 570-9251
toll-free: (800) 235-1205 
fax: (617) 570-9458

My typical client

Typically I work with individuals and families who need guidance, advice and support navigating the complexities of financial planning for retirement. I aim to serve clients who have saved between $250,000 and $5,000,000 towards retirement.

One of my niche areas of focus is helping individuals and families maximize their Social Security retirement income benefits. All too often I see individuals, spouses, widows/widowers, or divorced individuals missing out on Social Security retirement income benefits because of what they did not know or understand about Social Security. I’m on a mission to change that and to help as many people as I can along the way. Read more about this service here.

When clients come to me

Clients often seek out my experience when retirement is in sight. Usually, this is 5 to 10 years before or shortly after they have retired. Alternatively, some of my new relationships begin when I consolidate and manage a client’s old 401(k) rollovers.

What to expect from me

A series of in-depth and ongoing conversations from the onset of our relationship so that I thoroughly understand your needs, goals, dreams, resources, family and concerns. A thoughtful, written and complete financial plan to guide our decision-making moving forward. An annual in-person review meeting to update and review your financial plan. A semi-annual review in-person or via phone to update you on your progress towards your goals. Learn more about my process.

Why work with me

As a former accountant, current CERTIFIED FINANCIAL PLANNER, student and writer on various financial planning topics, I bring a rare and powerful combination of skills and abilities to the clients I serve. From our first meeting you will soon notice my attention to detail, curiosity about your unique situation, and above all else, how much I care about seeing you accomplish your goals. 

What I believe

I believe in building low-cost, efficient portfolios for my clients. That investment advice given in the absence of a complete financial plan does not serve the clients’ needs. That a financial plan is not a one-time event but a constant and on-going process. That understanding and “getting” my clients is possibly the most important thing I can do.

If this description sounds like you and what you’re looking for from your financial advisor then I encourage you to contact me using the link at the top of this page. I offer initial complimentary meetings so that we can both decide if we want to work together. I look forward to hearing from you!

  • Retirement Planning
  • 401(k) Rollovers
  • Financial Planning
  • Annuities
  • Estate Planning Strategies
  • Alternative Investments
  • Wealth Management
  • Municipal Bonds
  • Long Term Care Insurance
Education and Licensing
  • MBA
    State University of New York
    Albany, NY
  • BS, Finance
    Siena College
    Loudonville, NY
  • Series 7 - General Securities Representative
  • Series 66 - Uniform Combined State Law
  • Insurance - Life, Accident, Health
Business Experience
  • 2006 - Present: Morgan Stanley*

    Vice President
    Financial Planning Specialist
    Boston, MA
  • 2001 - 2006: The Ayco Company

    Manager - Business Management
    Saratoga Springs, NY
  • 1998 - 1999: The Travelers

    Glens Falls, NY

Bulletin Board
  • As CERTIFIED FINANCIAL PLANNER practitioners, our Financial Advisors review your whole financial picture to educate you on the best decisions for you & your family to help achieve your goals within your risk tolerance while providing high quality of service. To learn more, email us.

D. Abraham Ringer holds the following registrations:
Securities Agent: CA, CT, FL, GA, MA, NC, NH, NJ, NY, RI, TX, WA, WI; General Securities Representative; Investment Advisor Representative

This information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link: http://www.morganstanley.com/disclaimers/mssbemail.html. Any profiles and associated content are for U.S. residents only
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.
Awards Disclosures
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